Third party payment license is a fig leaf.

After the noise, the third party pays the license to the ground. Last night, all was silent.

On the afternoon of May 26, the People's Bank of China announced the first batch of payment business licenses, which issued licences to 27 third party payment companies including Alipay, UnionPay business, Tenpay and fast money. This license covers a wide range of payment business types such as internet payment, mobile phone payment, bank card receipt, prepaid card issue and acceptance, currency exchange, etc.

My microblog comment: First, this is a very dystocia licence, it is the initial victory of the Internet and UnionPay contest; second, 27 brands, with telecom operators, mobile phone payments still need to work hard, and its third, 27 companies are not excited, locked fetters, survive more difficult, can be a brand for 5 years of the company, Probably less than 5.

But I almost threw up when I read the comments of an advisory body today.

On the one hand, the three operators competed to pay for mobile payment and were prepared to apply for a mobile payment licence. This time, there was no shortlist. In addition to the exclusion of operators, the media reported that Shanghai UnionPay was also unsuccessful. Is this a self setting, or is it sacrificing yourself to balance the relationship? The answer will soon be known.

On the other hand, the quarrel and game between UnionPay and operator will affect the development of third party payment. Before that, I used to write blog "UnionPay and mobile operators, who are the grandchildren?" There are four points in this article:

First, the standard is not unified, mobile payment can not be developed. The reason is that they cannot be interconnected and cannot be popularized. Today, the two standard 2.4G and 13.56M parallel, with 500 million users of China Mobile's leading 2.4G standard, in the enterprise and E-commerce platform has made a breakthrough. UnionPay on the way to kill a 13.56M standard, the standard even in public places in China Telecom, the system is immature, card sensitivity is not high, short term difficult to break, the success rate is not high, especially for the POS machine response is more sluggish, can not meet the parking lot and other near-field needs. UnionPay has to dominate this standard, forcing China Mobile to give up the 2.4G standard, this unified standard for the interests of UnionPay or industrial development?

Second, the mobile payment does not make money, UnionPay's function is the transfer settlement, the profit is very thin, unionpay in this area is purely serves the public, the third party pays the enterprise unprofitable. So why is it that the operator enters the mobile payment to make money? In order to promote E-commerce business development, increase user stickiness, retain high-end users, operators to enter is to profit, not to give a business model? Also, the large number of third-party payment enterprises are not small, every one is relying on bank loans to pay wages?

Third, "the license plate feather when token". China Mobile pay must be under the leadership of UnionPay, why should I listen to you? Why should the Ministry of Industry and the three operators listen to you? Mobile has 800 million users, only to move more than 500 million users, ask how many users of the four major banks? which has the most influence on the market. What makes it possible to enter the financial system through acquisitions? When the whole industry has not developed, the deliberate elevation of market access threshold, only to create a monopoly UnionPay, can not promote the healthy development of the market.

Four, when talking about the financial system, take security to intimidate people. Operators can not protect the user information security, can not handle the remaining funds, that is, there is no interest settlement platform, which is unable to conceal the defects. But is there a big problem with banks in recent years? Japan and South Korea's experience tells us that the implementation of the mobile phone real-name, small payment security is not a problem.

China Mobile Zhigang students in the mobile payment: The important thing is that the market is not licensed, the article is even more sharply: the Central Bank payments Department head of the attitude of Third-party Payment license: The media asked the third party to pay the license, his reply is "the license is not important", "just like men and women together, it is important to love, Not a marriage license. "

When illegal cohabitation becomes accustomed, the license plate is a fig leaf.